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Roadside assistance
Flat tyre? Flat battery? We can help if you've added RoadWise® cover to your policy.
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Tower's car insurance policies
Choose from one of our policies:
Comprehensive cover: This option covers accidental damage, as well as any damage your car causes to someone else’s vehicle or property.
Third party, fire and theft cover: This option also covers your vehicle against fire and being stolen, as well as damage your car causes to someone else’s vehicle or property.
Third party cover: This option pays for damage you cause to other people's car and property, but not your own.
This is a summary only. For all these benefits, please make sure you read the policy wording to understand the terms, conditions, limits and exclusions that may apply.
Comprehensive
Third party, fire and theft
Third party
Damage to your car
Damage to your car
Damage to your car
Damage to your car
Damage by an uninsured vehicle
We'll repair your vehicle if it's damaged by an uninsured vehicle under our comprehensive cover. For third party fire and theft and third party covers we'll repair your car if you can identify the person at fault and the fault was more than 50% theirs.
Damage by an uninsured vehicle
We'll repair your vehicle if it's damaged by an uninsured vehicle under our comprehensive cover. For third party fire and theft and third party covers we'll repair your car if you can identify the person at fault and the fault was more than 50% theirs.
Damage by an uninsured vehicle
Up to $4,000We'll repair your vehicle if it's damaged by an uninsured vehicle under our comprehensive cover. For third party fire and theft and third party covers we'll repair your car if you can identify the person at fault and the fault was more than 50% theirs.
Damage by an uninsured vehicle
Up to $4,000We'll repair your vehicle if it's damaged by an uninsured vehicle under our comprehensive cover. For third party fire and theft and third party covers we'll repair your car if you can identify the person at fault and the fault was more than 50% theirs.
Damaging someone else’s car or other property
If you're in an accident and you cause damage to someone else's car or property, we'll cover you for your legal liability to repair it.
Damaging someone else’s car or other property
If you're in an accident and you cause damage to someone else's car or property, we'll cover you for your legal liability to repair it.
Damaging someone else’s car or other property
If you're in an accident and you cause damage to someone else's car or property, we'll cover you for your legal liability to repair it.
Damaging someone else’s car or other property
If you're in an accident and you cause damage to someone else's car or property, we'll cover you for your legal liability to repair it.
Claims that were not your fault
You won’t pay an excess if you’ve been involved in an accident during the period of insurance, and 1. you’ve identified the party at fault (name, phone number, and registration number of that other party’s vehicle), and 2. we’re satisfied that the other party was more than 50% at fault.
Claims that were not your fault
You won’t pay an excess if you’ve been involved in an accident during the period of insurance, and 1. you’ve identified the party at fault (name, phone number, and registration number of that other party’s vehicle), and 2. we’re satisfied that the other party was more than 50% at fault.
Claims that were not your fault
You won’t pay an excess if you’ve been involved in an accident during the period of insurance, and 1. you’ve identified the party at fault (name, phone number, and registration number of that other party’s vehicle), and 2. we’re satisfied that the other party was more than 50% at fault.
Claims that were not your fault
You won’t pay an excess if you’ve been involved in an accident during the period of insurance, and 1. you’ve identified the party at fault (name, phone number, and registration number of that other party’s vehicle), and 2. we’re satisfied that the other party was more than 50% at fault.
Towing
We’ll pay for removing your car to the nearest repairer or place of safety if it can’t be driven after a loss covered under this policy.
Towing
We’ll pay for removing your car to the nearest repairer or place of safety if it can’t be driven after a loss covered under this policy.
Towing
We’ll pay for removing your car to the nearest repairer or place of safety if it can’t be driven after a loss covered under this policy.
Towing
We’ll pay for removing your car to the nearest repairer or place of safety if it can’t be driven after a loss covered under this policy.
Fire damage and theft
We’ll cover your car if it’s damaged by fire, stolen or someone attempted to steal it.
Fire damage and theft
We’ll cover your car if it’s damaged by fire, stolen or someone attempted to steal it.
Fire damage and theft
We’ll cover your car if it’s damaged by fire, stolen or someone attempted to steal it.
Fire damage and theft
We’ll cover your car if it’s damaged by fire, stolen or someone attempted to steal it.
Two year replacement from new
We'll replace your car with a new car of the same make, model and variant, (for example a Toyota Corolla GX) subject to current availability if your car becomes a total loss.
Two year replacement from new
We'll replace your car with a new car of the same make, model and variant, (for example a Toyota Corolla GX) subject to current availability if your car becomes a total loss.
Two year replacement from new
We'll replace your car with a new car of the same make, model and variant, (for example a Toyota Corolla GX) subject to current availability if your car becomes a total loss.
Two year replacement from new
We'll replace your car with a new car of the same make, model and variant, (for example a Toyota Corolla GX) subject to current availability if your car becomes a total loss.
Repair guarantee
If you use one of our Tower Repair Partners for your car claim, we’ll guarantee the repairs for as long as you own the car.
Repair guarantee
If you use one of our Tower Repair Partners for your car claim, we’ll guarantee the repairs for as long as you own the car.
Repair guarantee
If you use one of our Tower Repair Partners for your car claim, we’ll guarantee the repairs for as long as you own the car.
Repair guarantee
If you use one of our Tower Repair Partners for your car claim, we’ll guarantee the repairs for as long as you own the car.
Replacement and additional cars
If you replace your car or buy a new one, we’ll automatically cover it for 14 days. If you paid more than $125,000 for the car, this benefit doesn’t apply, so please call us to arrange insurance before you purchase the replacement car.
Replacement and additional cars
If you replace your car or buy a new one, we’ll automatically cover it for 14 days. If you paid more than $125,000 for the car, this benefit doesn’t apply, so please call us to arrange insurance before you purchase the replacement car.
Replacement and additional cars
If you replace your car or buy a new one, we’ll automatically cover it for 14 days. If you paid more than $125,000 for the car, this benefit doesn’t apply, so please call us to arrange insurance before you purchase the replacement car.
Replacement and additional cars
If you replace your car or buy a new one, we’ll automatically cover it for 14 days. If you paid more than $125,000 for the car, this benefit doesn’t apply, so please call us to arrange insurance before you purchase the replacement car.
Lost or stolen keys
We'll help replace keys and locks if yours are stolen, lost, or illegally copied, and you won't need to pay an excess.
Lost or stolen keys
Up to $1,000, excess freeWe'll help replace keys and locks if yours are stolen, lost, or illegally copied, and you won't need to pay an excess.
Lost or stolen keys
We'll help replace keys and locks if yours are stolen, lost, or illegally copied, and you won't need to pay an excess.
Lost or stolen keys
We'll help replace keys and locks if yours are stolen, lost, or illegally copied, and you won't need to pay an excess.
Child car seats
Cover for child car seats if they’re damaged in a car accident, or while they’re stored at home.
Child car seats
Up to $750Cover for child car seats if they’re damaged in a car accident, or while they’re stored at home.
Child car seats
Up to $500Cover for child car seats if they’re damaged in a car accident, or while they’re stored at home.
Child car seats
Cover for child car seats if they’re damaged in a car accident, or while they’re stored at home.
Transport costs
We’ll cover your travel and accommodation expenses to complete your journey or return home after an accident, or if your vehicle is stolen.
Transport costs
Up to $500We’ll cover your travel and accommodation expenses to complete your journey or return home after an accident, or if your vehicle is stolen.
Transport costs
Up to $250We’ll cover your travel and accommodation expenses to complete your journey or return home after an accident, or if your vehicle is stolen.
Transport costs
We’ll cover your travel and accommodation expenses to complete your journey or return home after an accident, or if your vehicle is stolen.
Natural disaster damage
We’ll pay for natural disaster damage to your car during the period of insurance.
Natural disaster damage
We’ll pay for natural disaster damage to your car during the period of insurance.
Natural disaster damage
We’ll pay for natural disaster damage to your car during the period of insurance.
Natural disaster damage
We’ll pay for natural disaster damage to your car during the period of insurance.
Pay only one excess
Pay only one excess when claiming on multiple eligible policies for a single event. The highest excess applies.
Pay only one excess
Pay only one excess when claiming on multiple eligible policies for a single event. The highest excess applies.
Pay only one excess
Pay only one excess when claiming on multiple eligible policies for a single event. The highest excess applies.
Pay only one excess
Pay only one excess when claiming on multiple eligible policies for a single event. The highest excess applies.
OPTIONAL BENEFITS
OPTIONAL BENEFITS
OPTIONAL BENEFITS
OPTIONAL BENEFITS
RoadWise® roadside assistance
Our 24/7 roadside assistance service covers the car, not the person, so anyone driving the car can use it across NZ. It includes three free call-outs per year.
Learn more
RoadWise® roadside assistance
Our 24/7 roadside assistance service covers the car, not the person, so anyone driving the car can use it across NZ. It includes three free call-outs per year.
Learn more
RoadWise® roadside assistance
Our 24/7 roadside assistance service covers the car, not the person, so anyone driving the car can use it across NZ. It includes three free call-outs per year.
Learn more
RoadWise® roadside assistance
Our 24/7 roadside assistance service covers the car, not the person, so anyone driving the car can use it across NZ. It includes three free call-outs per year.
Learn more
Windscreen excess buyout
Windscreen and window glass are automatically covered, but if you choose this benefit, you won’t have to pay any excess for any windscreen claims.
Windscreen excess buyout
Windscreen and window glass are automatically covered, but if you choose this benefit, you won’t have to pay any excess for any windscreen claims.
Windscreen excess buyout
Windscreen and window glass are automatically covered, but if you choose this benefit, you won’t have to pay any excess for any windscreen claims.
Windscreen excess buyout
Windscreen and window glass are automatically covered, but if you choose this benefit, you won’t have to pay any excess for any windscreen claims.
Rental car
If your car is stolen or undriveable after an accident, we’ll cover the cost of hiring and insuring a similar car.
Rental car
Up to $1,000If your car is stolen or undriveable after an accident, we’ll cover the cost of hiring and insuring a similar car.
Rental car
Up to $750If your car is stolen or undriveable after an accident, we’ll cover the cost of hiring and insuring a similar car.
Rental car
If your car is stolen or undriveable after an accident, we’ll cover the cost of hiring and insuring a similar car.
Electric Vehicle insurance FAQs
BEV
- BEVs are powered solely by electric batteries, so they must be topped up at a plug-in charging station or at home.
- Electric car batteries have a certain lifespan and can be expensive to replace.
Hybrid and PHEV
- Hybrid vehicles and PHEVs use a combination of batteries and a conventional engine.
- PHEVs can be charged at home or at charging stations, just like BEVs.
- Hybrid vehicles and PHEVs are more efficient and environmentally friendly than pure petrol or diesel vehicles. However, you'll still need to fill your car up with petrol or diesel.
- Driving an electric vehicle in New Zealand emits 90% less CO₂ than an equivalent petrol vehicle.¹
- BEVs emit 60% fewer climate-changing emissions over their full life cycle than petrol vehicles.²
- There are fewer moving parts in battery EV motors, so there's less to maintain and go wrong.¹
- An EV is able to get to full power as soon as you touch the accelerator, with no engine noise.¹
- They have regenerative braking, which means they recharge when you go downhill.¹
- The network of charging stations across the country is growing. Some local councils offer free parking for EVs, and charging points may be near the entrances of supermarkets and petrol stations. Find your local EV charging station.
We generally insure electric vehicles under our car insurance policies, subject to our underwriting criteria, so you don't need any special insurance.
We insure various popular electric vehicles from brands like Nissan, Hyundai, Kia, BYD, and Volkswagen.
The cost of car insurance can vary as we use a risk-based pricing model. This takes into account things like the type of car you drive, your car's value, and where you live.
Tower's Comprehensive Car insurance covers your batteries if they are damaged as part of a sudden and accidental event, fire, or theft. There is also limited cover for this under Third Party, Fire, and Theft policies.
Tower policies don't cover battery failure or wear and tear on normal or electric vehicles.
Please read the full details of cover in the Comprehensive Car insurance and Third Party, Fire, and Theft insurance policy wordings.
Tower's Comprehensive Car insurance covers your electric car's standard charging pack and cables that were sold with the car when new, if they are damaged as part of a sudden and accidental event, fire, or theft. There is also limited cover for this under Third Party, Fire, and Theft policies.
Please read the full details of cover in the Comprehensive Car insurance and Third Party, Fire, and Theft insurance policy wordings.
If a charging station is installed in your home, this would fall under your house policy.
Info, ideas and inspiration
Tips on protecting the things that matter the most to you.
References
¹Reasons to buy an electric vehicle
The links we provide to third-party websites are for your convenience and do not constitute any endorsement or authorisation by us. The information provided on this page is general in nature and is not intended to be professional or legal advice. Tower does not accept any liability for the accuracy or content of information on this website that belongs to third parties or on any third-party website.
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